TWIA has become the leading wind and hail insurer in the catastrophe area. Its position has direct and indirect consequences for Texans statewide. Key points: Since 2020, TWIA has steadily increased its market share in the catastrophe area, raising concerns about scope and cost. TWIA’s quasi-governmental model imposes potential costs on statewide policyholders and private...
Another Texas summer is coming to an end soon, and despite the scorching temperatures, the electric grid has kept the A/C running. ERCOT didn’t falter when faced with a new all-time peak energy demand record on July 22. But hot, sunny days are only one end of the spectrum. According to a TPPF/Overton Insights poll released yesterday,...
When criminal records follow people forever, families struggle, employers lose workers, and communities lose productive citizens. Federal law offers almost no path to redemption, even though second chances strengthen public safety and the economy. Key Points The federal expungement system is effectively nonexistent. Permanent criminal records for non-violent federal offenses undermine work opportunities, family stability,...